Operation of national student loan

Preface

   Based on summarizing the subordinate college student loan business development experience, the operation process of national student loan is a comprehensive review.

   The national student loan operation flow is divided into three parts:

   First, students apply for the loan period

   The first step: acceptance of credit and loan knowledge education;

   The second step: the intellectual honesty in examination and loan;

   The third step: to prepare the application materials.

Two, the students get the loan period

   The first step: acceptance of credit and loan knowledge and education;

   The second step: in a specified period of time, bring the relevant information for the loan contract signed in front of the formalities;

The third step: get the loan certificate, and endorsement.

The fourth step: changes in special school

   Three, students graduate repayment period

The first step: to accept credit and loan knowledge education

The second step: preparing materials to the repayment procedures required

The third step: the signing of the repayment agreement or complete the renewal

The first part:Students apply for loans stage

Overall responsibility:Students, University, bank three party responsibility with each other in the specified period of time to complete the pre loan related data preparation, knowledge propaganda, application investigation.

Student responsibilities:1, accept credit and loan knowledge education.

2, ready to apply for loans to the required data (mainly include: to meet the requirements of the family economic poverty proof, I and the family member identity).

3, loan applications submitted information must be true, complete, effective.

The responsibilities:1, entrance front along with the admission notice sent student loan information.

2, students should be organized to carry out education of honesty and credit knowledge propaganda work (conducting education of honesty education and loan field number and number by each department organization self), and organizes the student to carry on the related credit and loan knowledge test.

3, should be equipped with the specialized agencies and equipped with the appropriate personnel for the pre loan review before work and be responsible for the authenticity of the review of the.

4, should be based on the previous analysis of the repayment of student default rates in various regions, departments of various professional, adjust the loan amount, in the reporting lines must be negotiated with the bank.

Banking duties:1, responsible for the college teachers' integrity knowledge and loan knowledge training.

2, to assist the organization to carry out education of honesty and credit awareness and examination work.

Check the completeness and accuracy of 3, with relevant staff survey data on loan before the.

4, the repayment of previous student feedback on College, and university student loans consultation report.

         5, to handle the debit card for the students, as a student loan repayment account.

Students, University, bank specific process and each stage specific division of labor:

A, preparation

Work for college:

(a) the bank shall comply with the conditions of loan and the students were related to the propaganda work, can take the following approach:

1, the relevant policy loans taken together with the admission notice served on the way, in the freshman of publicity.

2, the bank to assist the students after the credit and loan knowledge propaganda work. Can take the lectures, questionnaires or brochure printing etc..

(two) to meet the loan conditions of students, the university organization bank to assist credit and loan knowledge education and examination work.

1, colleges and banks to join the new loans for students credit and loan knowledge lecture and examination in school.

2, the examination content provided by the bank. (including student loans and honesty education knowledge)

3, the unified marking examination papers by the bank, examination qualified students are eligible to apply for student loans.

Students prepare for work:

   The students received the admission notice, can be in accordance with the relevant provisions of the loan policy advice, to prepare relevant materials, including: 1, family economic difficulties; 2, minors must provide proof of identity and effective legal guardian and written consent for the loan;

   Students through the integrity of the examination, examination qualified students submit a loan to the application materials, the specific contents are as follows:

1, completed the "national student loan application and approval form" (two copies) (text needs to be modified)

2, student card and valid identity card copy

3, the family residence booklet copy

4, township, town, street civil affairs departments evidence on their family economic difficulties of the original (must be certified for was issued by the, may have altered the phenomenon. The name must be consistent with the borrower by name)

The 5, the minor shall provide proof of identity and effective legal guardian and written consent for loans (where appropriate)

6, the loan student about family poverty situation

7, the old loan applications must provide transcripts of students with University seal (main course old during the period of school fail or are likely to not finish school not through)

8, newborn provides medical certificate (as appropriate)

Banks are prepared to work:

1,           The preparation knowledge lecture bank;

2, according to the number of the students in advance loans loan contract, IOUs, application form, text and file bag.

Two, the preliminary examinationWork

(a) the specialized agencies and shall be equipped with corresponding staff.

(two) the loan according to the requirements of the Bank of first instance trial and be responsible for the authenticity of the loan information.

(three) the university would be through the trial list according to requirements of the bank "for the national student loan student audit information table", submitted to the agency bank together with the review by the student application materials to electronic documents and written documentation in the form of written documents, and shall be affixed with the official seal to confirm the.

Three, the Bank review

(a) the handling bank in receipt of the submitted document ("for the national student loan student loans audit information table", students apply data), should be immediately organized personnel to complete the work to review the loan in 20 working days, if any error or omission, may require the correct or supplement.

(two) for examination and approval of qualified loan applications should compile the "national student loan students to review the list of qualified", written documents and electronic documents to be submitted to the management in Colleges and universities. (written documents shall be stamped with the bank seal)

Four, examination and approval of qualified students publicity

(a) students to review the university received from the bank to the list of qualified, should list students will meet the bank's eligibility publicity.

(two) publicity time of not less than ten working days, and publicity results after the seal to the bank.

 

 

 

The second part:Students acquire loans

Overall responsibility:Students, University, bank three clear responsibilities, mutual coordination processing loan contracts signed, loans, audit and related special circumstances within the prescribed period of time.

Student responsibilities:1, must be familiar with the student loan contract terms and provisions.

          2, within the prescribed period of time, I bring the relevant information for the loan contract signed in front of the formalities.

         3, accept credit and loan re education of knowledge.

The responsibilities:1, jointly with the bank loan contracts negotiated time, provide signing space, staff to maintain order at the scene, to ensure the smooth progress of the contract.

         2, according to the bank for providing put students annual report and official seal.

         3, the loan review and feedback bank, told the students loans, loan certificate to sign and other related work.

         4, the loan student have any student status change procedures, must inform the bank in the first time, and provide relevant proof, urge the students to go to the bank to handle the relevant procedures, such as students are not required to handle the relevant formalities after leaving school, by the school bear loan loss.

         5, do a good job of the borrowing students honesty education work.

Banking duties:1, and the loan contract time, determined in consultation with relevant staff.

         2, to guide the students to the loan contract signed in front of the work, to ensure compliance with contract.

         3, in a specified time to complete the loan review, issue (day issued complete), credit vouchers to the work of colleges and universities.

         4, to help college students borrow the integrity of re education work.

         5, to obtain loans for parents to send a letter, that banks care for students

 

Students, University, bank specific process and each stage specific division of labor:

Sign a contract for loan of money:

(a) the school, bank examination qualified students publicity after 10 working days, mutual banks and universities consultation, determine the loan contract and the time of signing promissory note.

(two) by the bank and the university organization personnel to ensure the smooth progress of the signing of the contract.

(three) the bank personnel shall sign, if found not to meet the requirement, have the right to refuse to handle loans.

Do not meet the requirements of the situation including but not limited to the following:

1, non loan applicant interview

2, without the bank allows, can change the loan application elements

3 in other cases, the provisions of the bank

Two, new loans

(a) in principle the handling bank should issue loans within 20 working days after signing the contract in borrowing, lending details and documents to the University, at the same time by the university to confirm receipt.

(two) the review loan amount is correct, in loans after 5 working days, inform the loan student loans issued.

(three) colleges and universities should timely loan documents returned to the student loans, and signed by the student, and timely feedback the bank receipt

(four) loans after the bank to obtain loans, the parents of the students send letter, indicate that bank loan student care

Three, the old loans continued to put

(a) the bank will continue to put on the list of every school year within 20 working days after the examination by the college.

(two) colleges and universities will audit put list and the loan student annual transcript and moral situation of the original sealed returned to the bank is correct.

(three) the bank according to the check list according to the students' achievements and moral education circumstances (used to determine whether the students can finish school) to continue to put the audit, audit qualified 20 working days to complete the interview and continued lending loan (the same day), will put the details and documents by the University, at the same time by the university to confirm receipt.

(four) the continued on without error in the audit the amount of loans, loan continued in 5 working days after, will put documents returned to the student loans, and signed by the student, and timely feedback the bank receipt.

Four, the loan student movements operating rules

(a) drop out, keeping the books:

1, colleges and universities should before the students leave school timely notify the agency bank, and issue relevant to prove the original.

2, banks to stop issuing not loans.

3, students apply for early settlement of the loan or the signing of the repayment agreement and other related procedures before leaving for school, colleges and universities can finish the formalities for students.

4, the student learns after the college shall be issued by the relevant proof of the original school, the recovery of interest.

(two) transfer, drop out of school, go abroad, was thrown out of school

1, colleges and universities should before the students leave school timely notify the agency bank, and issue relevant to prove the original.

2, banks to stop issuing not loans.

3, students should be a one-time loans settled in advance.

4, student loans and bank completed the repayment of the corresponding formalities, the party can finish the formalities for students.

(three) death, missing the situation I cannot contact the borrower

1, colleges and universities should promptly notify the agency bank, issue relevant to prove the original

2, banks to stop issuing not loans

Five, the integrity of knowledge and education

(a) by the tissue bank cooperation in each academic year the beginning and before graduation and carry out the good faith education work.

(two) the re education work should be honest feedback periodic bank.

 

  

 

 

 

 

 

 

 

 

The third part:Graduate students to repay the loan

Overall responsibility:Students, University, bank three party responsibility, with each other to complete the signing of the repayment agreement, feedback, loan information change overdue collection of credit information, inform the related work within the prescribed period of time.

Student responsibilities:1, to accept the good faith education, knowledge education loans.

         2, for the information to the repayment procedures required (mainly include: ID, loan contract, available China passbook, is / is not proof of employment, extension, renewal and other banks that all information provided).

         3, the performance of repayment on time and in full.

         4, in a timely manner to the bank or the universities to provide effective personal information changes.

The responsibilities:1, publicity, making "student loan repayment guide" and other relevant information.

         2, review the list of students before graduation.

         3, effective organization of student loans for repayment confirmation procedures.

         4, the organization to carry out the credit education of graduate students.

         5, confirm the repayment procedures list, timely banks to return data to the borrowing students.

         6, for failing to go through the formalities for in accordance with the requirements of the loan students, college is responsible for contact, at the same time, the principal and interest of loans in advance by borrowing formalities completed, until the students.

         7, with the bank for confirmation and collection of information on student loans.

Banking duties:1, responsible for the training of teachers in Colleges and universities.

         2, to provide graduate school leavers list.

         3, to assist the organization to carry out education of honesty and credit knowledge propaganda work.

         4, prepare for repayment confirm materials.

         5, personal interview, the authenticity, validity of audit repayment procedures.

          6, timely return data.

         7, to modify the loan student personal information changes.

         8, send the bill, collection letters.

         9, as the default released relevant information on the borrower, malicious arrears borrowers to take legal means the corresponding loan payment.

         10, the early repayment of students provide convenient services.

         11, send a letter to parents of the graduates, give affirmation and congratulations for the loan student achievement, and notify the parents urge their children shall assist the bank repayment schedule.

 

 

Specific division of students, University, bank specific process and each stage:

One, the preparatory work before graduation:

(a) the bank to provide graduate students in Colleges and universities list. (two months before graduation to start)

Include: the name, identity card number, number, loan amount, loan period, and asked the university to distinguish normal graduate repayment and for extension of the borrower.

(two) college students graduate after receiving the list, 5 working days to feedback information. (in charge)

1, the normal repayment: graduated to the signing of the repayment agreement.

2, extend Repayment: sign extension protocol and the repayment agreement.

(1) extension request: students in the 1 months before graduation is the renewal, and provide the related certificate issued by the original or the admission notice and a copy of the original, only for a time extension.

(2) for the extension of the situation:

A.: normal school is only limited to the graduation to pursue a degree of the borrowing students.

B. system: the extension of relevant certificates issued by the original.

C.: the army issued proof of the original.

Other D.: according to the normal school students' way of repayment, repayment in accordance with the signing of the repayment agreement, the repayment agreement.

(three) preparation stage students signed the repayment agreement:

The students to prepare information   Check the Information College   The bank to review data

1, all make signing guide. (by the publicity, production)

2, signing includes repayment Guide: (the bank is responsible for providing)

(1) basic information: including identity cards, proof of employment (or proof of employment), loan contract, payment and a copy of the original book (available bank repayment deposit), proof of renewal, extension (the official seal)

(2) the repayment repayment repayment date tips: initiation, calculation (for example 6000).

(3) the prepayment for other, explain the situation.

(4) obligations and change information disclosure.

(5) "information the borrower changes confirmation".

(6) the handling bank contact information (address, phone, EMAIL address).

(7) in charge of university student loan teacher contact telephone number.

Sign and return of two, the repayment agreement

(a) colleges and universities provide the place and personnel with banks for repayment work.

1, the notification to the borrowing students, in the bank by the borrower within the stipulated time, I arrived to the repayment procedures.

2, by the staff to assist the banks for contract work.

(two) for student loans for repayment confirmation procedures

1, bank staff have faith education loans to students in the signing of the repayment agreement, to explain the relevant knowledge of finance.

2, the bank must ensure that the repayment agreement shall sign, if found violations by the University, by coordinating and solving.

3, the signing of 20 working days to complete the relevant information, the bank will return to colleges and universities, colleges and universities in the feedback received bank has signed a list of students after graduation, can handle the formalities for students. If not for the repayment procedures, will leave the situation, colleges and universities should actively contact does not go through the formalities for the loan student, within a week to the bank for the corresponding procedures, such as failing to go through the formalities in accordance with the requirements of the principal and interest of the loan, paid in advance by the school, until the borrower related formalities completed so far.

4, the bank promptly returned loan validation data, mainly including: has signed the list, student loan repayment agreement, repayment plan. Data from the school back to the borrowing students, and students to confirm receipt. If students have left the University, the University in the form of letters, the relevant materials the repayment agreement and gave the parents or legal guardians, universities will send documents returned to the bank.

The parents of the students, 5 banks have graduated and completing the repayment procedures, send mail, affirmed and congratulations for the loan student achievement, and notify the parents urge their children shall assist the bank repayment schedule.

Three, the loan repayment period:

(a) the loan student personal information change confirmation and modification

1 a month, after graduation, students will be "the borrower loan data changes confirmation" (when signing to the students) return to university, the school should be verified immediately after to the bank information feedback, information data modified by the bank.

In 2, one year after graduation, college provides an effective contact information of the borrowing students confirmed to the bank, and a quarter of each year to the bank feedback graduate student school contact information.

3, the loan student information changes, also be the lending bank and the first time notice.

4, if the borrower fails to be effective contact information timely feedback to the bank or the bank, which fails to fulfill the obligation to inform the related, the responsibility borne by the borrower.

(two) the borrower's repayment

1, the students signed the repayment agreement, according to the repayment agreement matters agreed monthly return of the loan in full and on time.

2, the bank every month to the late student send collection letters, at the same time every month to the universities to provide default list, the school is responsible for the telephone call to the default students, record collection content. By the related departments stamped confirmation of collection record collection, feedback information to banks, with the bank for collection.

3, the bank each quarter to mail the student repayment on the bill (if the interest rate adjustment, the bank related information according to the interest rate adjustment of students indicated interest rate adjustment on the bill.).

4, as the default default announced

(1) for a year without contact or through the collection after 180 did not repay the loan students, colleges and banks responsible for publication on campus, bank borrowers default information website.

(2) for no more than one year to contact the borrower, the bank is responsible for the borrower default information published in the relevant media.

(3) for collection after more than a year has not repayment of the borrower, the bank has the right to take legal action against the relevant legal procedures the loan collection.